Why this exists
Most mortgage calculators online have the same problem. They ask for your email before showing a result, they leave out taxes and insurance so the number looks lower than reality, or they quietly hand your details to a lender who calls you for weeks. We wanted the opposite: a tool that answers the question and then gets out of your way.
So that is what this is. Type in a price, see the full monthly payment with every part broken out, read the amortization schedule, and export it if you like. Nothing is saved, nothing is sent, and there is no form anywhere on the site.
What makes it different
- No lead capture. There is no email field, no phone field, and no account. Every calculation runs in your browser.
- Full PITI, not just principal and interest. Property tax, insurance, PMI, and HOA dues are built in with sourced defaults you can edit.
- Rates that are current. The default rate is the weekly national average from Freddie Mac, refreshed every week and logged in our changelog.
- Real visualisation. A payment breakdown, a balance-over-time chart, and a full schedule you can export to CSV or print.
- Multi-country math. Correct local calculations for the United States, India, the United Kingdom, Canada, and Australia.
How we make money
The site is free and always will be. It is supported by advertising, shown in fixed, clearly marked slots that never push the calculator around or track you across the web beyond what the ad network requires. We do not sell your data, because we never collect it. You can read the details in our privacy policy.
Accuracy and corrections
We document exactly how every number is calculated on the methodology page, and we list our sources openly. If you spot something that looks wrong, tell us on the contact page and we will check it and fix it.